Although switching to a new job will slow me down because I have to wait for 2 paychecks to verify income, I feel the raise is worth it.My credit is about 710-715.

I am not much for getting on the computer and posting, but that is apparently the prescribed way to verify that you are "real" nowadays.

However, the first thing to verify is- do you presently have a "two tire" market in your area.

Can someone verify that it is not to be used when calculating DTI since it has already been subtracted out when calculating my income?

.* Review existing tenants, verify if they received any lease incentive, and have them verify their mthly rent and security deposit.* Do comps on the rental amounts with nearby properties.* Get the utility bills for the prior year, from either the owner or the utility companies.

Make sure you get on the phone with the borrower and verify all the loan details.

You also need to verify how many units in the community are owner occupied and how many are rentals.

If the Buyer, although verified beforehand, falls thru at closing, what happens then?

And just to verify -- you did buy this castle on eBay, correct?

You could use MSM to verify what you've checked into.